CLAIMS STATUS, ELIGIBILITY VERIFICATION AND COVERAGE QUESTIONS

For medical claims - Provide the hospital or doctor with a copy of your ID card so they can bill us for the services provided to you. This shows your member ID and is how to find you in our system to verify benefits. Failure to give the correct information to the provider could result in bills getting sent to you, instead of the insurance company.

All claims, regardless of submission date, must be received in our office within 90 days of treatment or they will be denied. Initial treatment must occur within 90 days of the Accident or Sickness.

For trip claims - provide all documents needed to prove tour/cruise/airline refunds - purchase dates, refund amounts, refund policies and proof of date trip was cancelled as well as documentation to prove the reason for cancelling. including medical records if necessary.

Payment of loss under this policy shall only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).